that meaning that i expect if we talked about what health care reform means to each of us here, we might find different answers. somewhat think health care reform has to do with access. some might think it has to be focused on better quality. some would say health care should be focused on the cost or the rising cost. there is no question the health care has been rising in many different ways and the costs are being put upon us for a variety of reasons. we got involved because like many of around the country, the rising cost of the health care was making it tough for businesses and government to pay the benefit costs. we found out by a survey that 7% of those in utah who did not have insurance blamed it on the rising cost of premiums. they cannot afford it. we wanted to find out what we could do to contain the costs. what are the principles we will follow? i believe it and the free- market. no matter what the issue is, we found if you want to have the most benefit, the best quality of goods and service for the most people at the lowest cost, that happens in a free market situation. and i don'